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Fidelity Viewpoints ®

Family matters: Talking money over the holidays

How to have important family discussions about health, wealth, and legacy plans.

Social Security at 62?

If you can wait a few years or longer, you can boost your benefits—and your spouse's.

Need steady income?

How a bond ladder can help manage the impact of interest rates on your investment income.

Ready for liftoff (really)?

The markets are anticipating a December rate hike. Find out what it may mean for investors.

Market and Economic Insights

November market update

Monetary easing in China and the eurozone may calm the global economy in the coming months.

November business cycle

See what Fed tightening meant for past markets and economies, and why it may be different now.

See all Market and Economic Insights articles

Investing Ideas

Time to go global?

You may be missing out on potential diversification benefits and growth opportunities.

3 consumer trends

Learn which companies are leading the wave of change in restaurants, media, and financial services.

See all Investing Ideas articles


Later-in-life income

How to turn some of your traditional IRA or 401(k) into a lifetime income later in life.

Time to retire?

It’s not just about money—it’s the freedom to enjoy life that leads many to stop working full time.

See all Retirement articles

Personal Finance

Name the right trustee

Who you name as a trustee for your estate can have significant financial implications.

4 ways to simplify

A few small changes can help you save more and give your money a chance to grow.

See all Personal Finance articles

Active Trader

Bollinger Bands

This technical indicator can help you time your buy and sell trades. Learn how it works.

Global opportunities

Tim Seymour thinks several emerging market investments may be worth considering.

See all Active Trader articles

Before investing, consider the investment objectives, risks, charges, and expenses of the fund, exchange-traded fund, or annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available for the options, a prospectus or summary prospectus containing this information. Read it carefully.
Sector investing can be more volatile because of their narrow concentration in a specific industry.
ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses.

Past performance is no guarantee of future results.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Prior to trading options, please read Characteristics and Risks of Standardized Options, and call 800-343-3548 to be approved for options trading.  Supporting documentation for any claims, if applicable, will be furnished upon request.
There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, and collars, as compared to a single option trade.

Investing involves risk, including risk of loss.

Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments.

In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.

Diversification cannot ensure a profit or protect against loss.
Fidelity does not provide legal or tax advice and the information provided above is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917